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Social Security spousal benefits are part of the retirement income that a lower-earning spouse can receive based on the higher-earning spouse’s work record. This provision allows the lower ...
There will be multiple references to “full retirement age,” which originally was 65 years of age, but has increased over time to 67 for workers born in 1960 or thereafter. Full retirement age ...
4. Not working long enough. Social Security determines your benefit based on your 35 highest-earning years. If you don’t have 35 years’ worth of earnings, the calculation factors in a zero for ...
The maximum spousal benefit is 50% of your spouse’s primary insurance amount. That’s the benefit they’ll qualify for once they’re full retirement age, which is 67 for anyone born in 1960 ...
The Social Security Administration previously allowed some married individuals to receive spousal Social Security benefits at full retirement age, delay their own retirement and grow their full ...
However, spouses can’t take advantage of the age 70 rule because their payout is capped at 50% of the primary beneficiary’s full retirement benefit. Even if your spouse waited until age 70 to ...
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